Creator tools and smart suggestions
32 changes shipped in this release of Worth Clarity.
- Debts: track loans, credit cards, and leases with balances, interest rates, and due days. What you owe now counts against your net worth, including in the history chart.
- Payoff planner: pick a monthly amount and compare snowball vs avalanche, with debt-free dates, interest totals, payoff order, and a chart of the way down.
- Payment schedules: open any debt's month-by-month amortization table, showing how much of each payment is interest vs principal, or ask for the payment that clears it in 12, 24, 36, or 60 months.
- Savings challenges: run the 52-week ladder against one of your goals, or try a no-spend month and watch the clean-day streak grow. Progress is scored from your ledger, not a checkbox.
- Goal celebrations: reaching a goal now earns a badge and a one-time confetti moment, and the Goals page shows your saving streak in months.
- Emergency fund setup: one click turns your measured monthly spending into a 3-month or 6-month cushion goal.
- Valuation estimates: profitable assets now show what a buyer might pay, from their real earnings times marketplace multiples, with one click to adopt the midpoint as the asset's value.
- Views tracking: asset snapshots now carry lifetime views too, synced daily for YouTube channels, with a growth chart, 30-day gain, and views per follower.
- Payout tracking: log what AdSense, affiliates, and marketplaces owe you and when they pay. Pending payouts appear in your cash forecast, and marking one received logs the income.
- FIRE calculator: see the portfolio that would sustain your spending and the year your current pace reaches it, prefilled from your own numbers.
- Merchants: a new page ranks where your money goes, payee by payee, with visit counts, average spend, trends, and how concentrated your top five are.
- Keyboard shortcuts: press ? for the reference. G then a letter jumps between pages, N starts a new transaction, and Cmd+K stays quick add.
- Income smoothing: if your income swings month to month, the cash page now shows your typical month, a safe plan-on figure, and whether a low month covers your spending.
- Year at a glance: the Budgets page now ends with a twelve-month grid per category, so seasonality and slow drift over the cap have nowhere to hide.
- Every rupee a job: a zero-based budgeting card shows how much of your income is assigned to budgets, savings, and debt payments, and how much still needs a job.
- Sinking funds: yearly bills like insurance and renewals are spread into monthly set-asides, with a steady pace and a catch-up pace before each due date.
- Bills on your calendar: download an .ics file of your recurring rules and import it into Google Calendar or Apple Calendar. Every bill shows up on its due day.
- A proper welcome: new accounts get a first-steps checklist and one-click sample data to explore, removable just as cleanly.
- Receipts: attach an image or PDF to any transaction and open it later from the paperclip on the row. Stored privately, only ever visible to you.
- Monthly report: one printable page per month with totals, categories, budgets, top merchants, and biggest expenses. Print it or save it as a PDF.
- Meet the Assistant: chat with your own money. Ask how the month is going, where the money went, or what to tackle first, and get answers grounded in your real numbers.
- Receipt scanning: pick a receipt in the transaction dialog and AI fills in the amount, date, and merchant, with the line items listed for reference.
- AI insights on the dashboard: a few sharp observations about your month, each backed by your real numbers. Generate them when you want a fresh read.
- Unusual-charge alerts: a charge far outside a category's normal range gets flagged on the dashboard. Confirm it with one tap and it stays confirmed.
- The Assistant can now search your ledger: ask about a specific merchant, a past month, or a category's history and it looks up the answer instead of guessing.
- A new home for the Assistant: a proper chat screen with formatted answers, a smarter composer, copy buttons, typing indicators, and a scroll that stays out of your way.
- Sponsorship pipeline: track brand deals from lead to paid, with invoice status and expected dates. Mark a deal paid and the income lands on its asset automatically.
- Suggested rules: Worth Clarity spots payments that repeat in your history, like a subscription or salary, and offers them as one-click recurring rules. Dismiss the ones you do not want and they stay gone.
- Asset leaderboard: your income-generating assets ranked by net earnings over the last 12 months, with ROI at a glance.
- Milestones: the Assets page celebrates follower and lifetime-earnings marks your assets crossed in the last 90 days, and shows progress toward the next ones.
- Rate card: each asset page suggests sponsorship pricing from audience size, prefilled with what the asset actually earns per 1,000 followers.
- The Assistant can now make changes, with your say-so: tell it to log, fix, or delete a transaction and it drafts the change as a card in the chat. Nothing touches your ledger until you tap Confirm.
